I think you're doing great sticking to your guns about the late fee. DCM had reminders up the wazoo and still didn't pay on time. I don't care how confusing it may have been for her, she was reminded, if she was "confused" then she should have asked you to clarify BEFORE payment was due. And if the situation is still too confusing to her then you two can make a different payment agreement, as long as YOU are comfortable with it. Good luck!

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